Bread Financial Reviews

I have banked with a lot of banks, but the service at Bread Financial is the absolute worst. Banking with them is frustrating because they are so bleeping slow, and they rarely reach out to you directly by phone to straighten out an issue. They send hints via their secure message service, where the individual messages that make up a conversation take about a day each, such that it ends up taking about four times longer to do anything there as compared to somewhere else. One of their workers even mistook a withdrawal request for a deposit request even with explicit instructions about how to handle their check writing fee and to whom the check was made payable. If you want control of your money, bank somewhere else. Getting them to handle your banking is more like fighting a battle than simple business. On the up side, maybe A.I. will be used to eliminate the insanely ineffective staff they have there in the near future.

Opened account 2 months ago, couldn't set up account online. Called and after much to do, found out I was already hacked for $1600.00! Got new card, cannot set up online. I have been calling customer service and they keep telling me to call back later because system is down. Most customer service is awful, but this company brings it to New Lows.

Initiated a wire transfer three days ago — funds still have not been credited to my account. Three days for a wire transfer completely defeats the purpose of the service. I manage multiple commercial accounts across several banks, and I have never experienced this kind of delay anywhere else. No proactive communication, no updates, no urgency whatsoever. If you value your time and your money, I would strongly encourage you to look elsewhere. I certainly cannot recommend this institution to any of my colleagues or business associates based on this experience.

Do not EVER get a credit card with this company... You'll NEVER pay it off. Even after I paid it off, closed the account, they kept adding finance fees on top of late fees on top of fees. Then they had the nerve to say they couldn't waive any fees because the account was closed. BUYER BEWARE!! Customer service SUCKS, they will do absolutely nothing for you.

I was trying to purchase furniture from Raymour & Flanigan through my union for a discount. They had recently switched over to Comenity Bank/Bread Financial as their finance company. The representative told me to go online & apply for the financing. I went through the process & received a message to call to verify my identity. I called, but I wasn't getting the texts the customer service representative was trying to send me (This was during a nationwide Verizon outage). She rudely said that it's the only way to verify my identity and time was up. I asked if I could call later & try again also and she said no, this was my only chance.

Wow. What a predatory company. We paid every payment on time. We sent in our final payment and they claimed they never received it. After hiring a lawyer we learned the check had indeed been cashed but 3 months later. So these predators sent us invoices for not only the check but an additional 5 k interest. After we provided the check from the bank we now realized they were trying to not only collect 5 k interest but kept sending an invoice for what we had paid. They claimed it was the POST OFFICE. It doesn’t take 3 months for a letter delivery. So now we are filing a small claims lawsuit. Patricia ** is the patient and my partner.. It's disgusting what he have done.

I had the Sportsman's Warehouse card for 5 years. I paid the total balance off to avoid interest, and online it said my balance was zero. Then they added an $87.00 interest charge. I called them and explained I had paid the card off; they said the interest was from two months ago. Complete nonsense! I immediately closed the card. This bank conducts shady business, and I'd stay away from them. Sportsman's and other retailers should stay away too because their name is tied to these dishonest practices.

This company doesn't deserve ANY stars! This card is used so I can extend my payment terms as allowed by the CC company to purchase my NFL team's tickets. What I run into is they received a payment that is late, claiming it was received via US Mail. My payments are ALL electronic and ALWAYS on time! Once they acknowledge the payment was received correctly on time, I have to fight to get my incorrectly added late fee and interest charges removed.

I paid off my $1600 balance in full -- plus $200 towards the new balance -- in a half dozen payments. They were spread across six days or so at the beginning of March, 2026. I wanted to clear room for further purchases; lock myself into earmarking these funds as they became available to ensure paying off this rather-high balance and obviating any interest charges.

They are deceiving customers with their communication, they twist the language to make you pay more. This company should be closed down and banned. Not applying industry standard rules and regulations.